October is Cyber-Security Awareness Month – Week 3

October 2018

Here at Fortis, we believe cyber-security is of the utmost importance, and we have made cyber-awareness a top priority for our Clients, Colleagues and Friends. October is National Cyber Security Awareness Month. Fortis is promoting cyber security by sharing weekly tips and information during the month of October

Parenting in the Digital Age & the Best Software to Help in 2018

Modern kids have never known a time when they couldn’t connect to the entire world via the internet. In fact, they probably spend more time online than anyone else—certainly more than their parents. If you are a parent, this presents a problem, as there are explicit, disturbing, and illegal sites on the web that you don’t want your kids to encounter. Furthermore, with the ever-increasing number of devices that kids use to connect, you simply can’t supervise every moment they’re online on your own. That’s where parental control services can help. This software gives you the ability to block unwanted web content, limit screen time, restrict the use of risky applications, and more. Basically, these services are a way to help keep your kids safer on their computers and mobile devices.

That said, parental control software is no substitute for good communication. If you don’t want your kids to visit unsafe, unsavory, or inappropriate sites, talk to them about your concerns. We recommend that you also take the time to convince your older kids that you’ll respect their privacy while still monitoring their online actions, a promise you should strive to uphold. We prefer software that embraces this kind of collaborative approach, rather than apps that covertly spy on kids. If your kids see you as big brother, it’s a safe bet that they’ll find ways to outsmart you and evade even the most sophisticated systems. As tech addiction increasingly becomes a problem, it’s important to instill the value of good device habits on to your children as well.

Monitor Your Child’s Devices

Long gone are the days when a single parental control utility on the family PC was sufficient for keeping your kids safe and productive. Modern kids use all kinds of internet-connected devices, and modern parental control systems must keep up.

Before settling on a particular parental control utility, you need to make sure that it supports all the device types in your household. While all the products in the chart below support Windows and Android, compatibility with macOS and iOS varies. That said, Apple has recently announced the new Screen Time feature for the upcoming iOS 12, a set of tools for monitoring and controlling app and device usage. Taken alongside iOS’ existing Restrictions settings, when iOS 12 releases Apple will offer a free set of parental controls tools comparable to these paid alternatives, with the added benefit of first-party support.

Check, too, that any limits on the number of child profiles or devices won’t be a problem. Large families, for example, will appreciate that Norton Family works on an unlimited number of devices. Most parental control software operates as a subscription service, so pricing tiers tend to align with device limits, though some offer free versions for basic protection on a limited number of devices. If your kids are strictly smartphone users, take a look at our roundup of mobile parental control apps.

If getting parental control coverage installed on each of your family’s devices starts to seem too difficult, consider a whole-network solution, such as Circle With Disney or Open DNS. These systems perform content filtering at the router level, so your settings affect every device on the network. Naturally, you don’t get the same fine level of control and detailed monitoring that you get with a local agent on each device, but this is a much broader solution.

Web Filters, Time Limits, and Apps

At the very least, a good parental control tool features content filtering—the ability to block access to websites matching categories such as hate, violence, and porn. This type of filtering only really works if it’s browser-independent and works with secure (HTTPS) sites. With no HTTPS filtering, a smart teen could bypass the system using a secure anonymizing proxy website or even a different web browser in some cases. Most also have the option to permanently enable SafeSearch. Of course, the most capable solutions also keep a detailed log of your child’s web activity.

Access scheduling is another very common feature. Some applications let parents set a weekly schedule for device usage, some control internet use in general, and others offer a combination of the two. A daily or weekly cap on internet usage can also be handy, especially if it applies to all your kids’ devices.

The best services apply these two ideas to individual desktop and mobile applications as well. Qustodio, for example, can block apps entirely and set time usage limits. This is particularly useful for children who have a habit of playing games or using social media apps when they should be doing homework.

PC Magazine’s Picks: Best Parental Control Software Featured in This Roundup

3. Symantec Norton Family Premier

Pros: Affordable. Excellent web dashboard. Settings apply across all devices. No limit on number of PC, phones, tablets, or children protected. Tracks child’s location.

Cons: Does not work on Macs. No Free version anymore. Does not block HTTPS sites on unsupported browsers. Web extension is easily disabled. Platform-dependent features. Lackluster social media tracking.

Bottom Line: Norton Family’s top-notch web interface and wealth of features make it easy for parents to track and manage their children’s activity across their many devices, though it doesn’t work on Macs.

Additional Resources

TERMS OF USE

BY CREATING A PORTAL ACCOUNT ON FORTIS WEALTH’S CLIENT PORTAL AT (THE “WEBSITE”) IN ORDER TO OBTAIN ACCESS TO AUTOMATED INVESTMENT INFORMATION THROUGH THE WEBSITE (“SERVICES”), YOU AGREE THAT UNLESS INDICATED OTHERWISE, THE DOCUMENTS AND DISCLOSURES REQUIRED TO BE PROVIDED TO YOU WITH RESPECT TO YOUR PORTAL ACCOUNT AND ANY FUTURE PORTAL ACCOUNTS UNDER APPLICABLE LAWS AND REGULATIONS MAY BE PROVIDED TO YOU ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE DOCUMENTS AND INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL (“E-MAIL”).

YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE “PRINT” OR “FILE SAVE” OPTIONS ON YOUR INTERNET BROWSER. ANY CHANGES, MODIFICATIONS, OR ADDITIONS TO, OR DELETIONS FROM, THIS STATEMENT SHALL BE EFFECTIVE UPON POSTING ON THE WEBSITE AND WE WILL NOTIFY YOU THEREOF BY E-MAIL AND/OR BY POSTING A MESSAGE ON THE WEBSITE OR TO YOUR PORTAL ACCOUNT.

In this Electronic Agreement and Disclosure Statement (“Statement”), please remember that “you” and “your” refer to the person who is establishing a Portal Account, as well as any future accounts, and “we”, “us” and “our” refer to Fortis Wealth (“Fortis”). Relevant agreements, documents, forms and other information, including without limitation disclosures required to be made or furnished by Fortis with respect to all Portal Accounts, by the Investment Advisers Act of 1940, as amended (the “Advisers Act”), and other applicable laws and regulations (collectively, “Documents and Disclosures”), will be provided to you electronically unless indicated otherwise. Among such Documents and Disclosures to be provided to you electronically with respect to your Portal Account and any future Portal Accounts that you may create are the following:

The Fortis Website User Agreement and all amendments, notices and other agreements which supplement or relate to such User Agreement;

The Fortis Discretionary Investment Advisory Agreement and all Account application forms, agreements and documents required to be completed and submitted to a designated broker-dealer and Custodian (“Broker Documents”) and all agreements, amendments, notices and other agreements which supplement or relate to such Discretionary Investment Advisory Agreement and Broker Documents;

The Fortis Form ADV Part 2A Brochure and Part 2B portfolio manager supplements in compliance with Rule 204-3 under the Advisers Act;

Notice of the Fortis Privacy Policy

All other required and permitted legal disclosures; and

Any other notices and communications pertaining to your Portal Account and Services.

BY CREATING A PORTAL ACCOUNT, AND THEN ACCESSING YOUR PORTAL ACCOUNT, YOU ARE ACCEPTING THIS STATEMENT AND CONSENTING TO RECEIVE DOCUMENTS AND DISCLOSURES ELECTRONICALLY.

Following the termination of your status as a Fortis Client, the information regarding your Portal Account, including the Documents and Disclosures, will be available upon request by sending us an e-mail at info@fortis-wealth.com or by calling 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. When revised or new Documents and/or Disclosures are available on the Website, to the extent relevant or applicable to you and if required by applicable legal, regulatory or contractual requirements, we will send a message to your e-mail address on file or otherwise notify you of their availability.

You are responsible for maintaining a valid e-mail address and all software and hardware necessary to receive, read and send e-mail. You must provide us with your current e-mail address when you establish your Portal Account and promptly notify us of any changes to your e-mail address by updating this information in your Portal Account on the Website.

To receive electronically the Documents and Disclosures, you will need access to a computer and web browser and may also need Adobe Reader, Microsoft Word and Microsoft Excel. You also will need access to e-mail and to a printer or the ability to download information in order to keep copies for your records. To the extent we make changes to the system hardware and software requirements that you need in order to receive and access the Documents and Disclosures electronically, we will notify you of those changes via e-mail and/or by posting information about the new system requirements on the Website. By establishing and then accessing a Portal Account you are indicating that you have the capability to access the Documents and Disclosures and download or print copies of them for your records.

For client support or technical assistance regarding your Portal Account, including the 2 Documents and Disclosures and the Website, you may send an e-mail to info@fortis-wealth.com or call us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. You may request a paper copy of any of the Documents and Disclosures at any time by sending us an e-mail at info@fortis-wealth.com or by calling us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. We will not charge you a fee for the paper copy.

This consent to receive the Documents and Disclosures electronically will apply on an ongoing basis unless you withdraw your consent. You may withdraw your consent to receive any of the Documents and Disclosures electronically by sending us an e-mail at info@fortis-wealth.com or calling 610-313-0910. However, if you do withdraw your consent Fortis will terminate your Portal Account. If you withdraw your consent to receive documents and disclosures electronically, your only option is to receive documents and disclosures in a paper format. To withdraw your consent and terminate your Portal Account, please call us at 610-313-0910.

By creating a Portal Account, and then accessing your Portal Account, you are indicating that you have reviewed all of the Documents and Disclosures made available to you on the Website. You are also acknowledging that your initial use of your Portal Account will constitute your agreement to be bound by the terms and conditions contained within such Documents and Disclosures.

By agreeing to this Statement, you acknowledge that you have read, understand, and agree to be bound by the terms above. If you do not agree to be bound by the terms above but would like to establish a Portal Account, DO NOT continue with the online process. Instead, please send us an e-mail at info@fortis-wealth.com or call us at 610-313-0910

Because the Fortis Portal Account relates to the functionality of the Website Fortis reserves the right to refuse to establish a Portal Account that is not subject to this Statement. You agree that the Documents and Disclosures required to be provided at the time a Portal Account is being created and any supplemental agreements or subsequent notices of changes or amendments will be provided electronically, and you confirm that you will download or print all electronically-provided documents for your records. You acknowledge that you can access the Documents and Disclosures that are provided electronically on the Website and via e-mail.

TERMS OF USE

BY CREATING A PORTAL ACCOUNT ON FORTIS WEALTH’S CLIENT PORTAL AT (THE “WEBSITE”) IN ORDER TO OBTAIN ACCESS TO AUTOMATED INVESTMENT INFORMATION THROUGH THE WEBSITE (“SERVICES”), YOU AGREE THAT UNLESS INDICATED OTHERWISE, THE DOCUMENTS AND DISCLOSURES REQUIRED TO BE PROVIDED TO YOU WITH RESPECT TO YOUR PORTAL ACCOUNT AND ANY FUTURE PORTAL ACCOUNTS UNDER APPLICABLE LAWS AND REGULATIONS MAY BE PROVIDED TO YOU ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE DOCUMENTS AND INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL (“E-MAIL”).

YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE “PRINT” OR “FILE SAVE” OPTIONS ON YOUR INTERNET BROWSER. ANY CHANGES, MODIFICATIONS, OR ADDITIONS TO, OR DELETIONS FROM, THIS STATEMENT SHALL BE EFFECTIVE UPON POSTING ON THE WEBSITE AND WE WILL NOTIFY YOU THEREOF BY E-MAIL AND/OR BY POSTING A MESSAGE ON THE WEBSITE OR TO YOUR PORTAL ACCOUNT.

In this Electronic Agreement and Disclosure Statement (“Statement”), please remember that “you” and “your” refer to the person who is establishing a Portal Account, as well as any future accounts, and “we”, “us” and “our” refer to Fortis Wealth (“Fortis”). Relevant agreements, documents, forms and other information, including without limitation disclosures required to be made or furnished by Fortis with respect to all Portal Accounts, by the Investment Advisers Act of 1940, as amended (the “Advisers Act”), and other applicable laws and regulations (collectively, “Documents and Disclosures”), will be provided to you electronically unless indicated otherwise. Among such Documents and Disclosures to be provided to you electronically with respect to your Portal Account and any future Portal Accounts that you may create are the following:

The Fortis Website User Agreement and all amendments, notices and other agreements which supplement or relate to such User Agreement;

The Fortis Discretionary Investment Advisory Agreement and all Account application forms, agreements and documents required to be completed and submitted to a designated broker-dealer and Custodian (“Broker Documents”) and all agreements, amendments, notices and other agreements which supplement or relate to such Discretionary Investment Advisory Agreement and Broker Documents;

The Fortis Form ADV Part 2A Brochure and Part 2B portfolio manager supplements in compliance with Rule 204-3 under the Advisers Act;

Notice of the Fortis Privacy Policy

All other required and permitted legal disclosures; and

Any other notices and communications pertaining to your Portal Account and Services.

BY CREATING A PORTAL ACCOUNT, AND THEN ACCESSING YOUR PORTAL ACCOUNT, YOU ARE ACCEPTING THIS STATEMENT AND CONSENTING TO RECEIVE DOCUMENTS AND DISCLOSURES ELECTRONICALLY.

Following the termination of your status as a Fortis Client, the information regarding your Portal Account, including the Documents and Disclosures, will be available upon request by sending us an e-mail at info@fortis-wealth.com or by calling 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. When revised or new Documents and/or Disclosures are available on the Website, to the extent relevant or applicable to you and if required by applicable legal, regulatory or contractual requirements, we will send a message to your e-mail address on file or otherwise notify you of their availability.

You are responsible for maintaining a valid e-mail address and all software and hardware necessary to receive, read and send e-mail. You must provide us with your current e-mail address when you establish your Portal Account and promptly notify us of any changes to your e-mail address by updating this information in your Portal Account on the Website.

To receive electronically the Documents and Disclosures, you will need access to a computer and web browser and may also need Adobe Reader, Microsoft Word and Microsoft Excel. You also will need access to e-mail and to a printer or the ability to download information in order to keep copies for your records. To the extent we make changes to the system hardware and software requirements that you need in order to receive and access the Documents and Disclosures electronically, we will notify you of those changes via e-mail and/or by posting information about the new system requirements on the Website. By establishing and then accessing a Portal Account you are indicating that you have the capability to access the Documents and Disclosures and download or print copies of them for your records.

For client support or technical assistance regarding your Portal Account, including the 2 Documents and Disclosures and the Website, you may send an e-mail to info@fortis-wealth.com or call us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. You may request a paper copy of any of the Documents and Disclosures at any time by sending us an e-mail at info@fortis-wealth.com or by calling us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. We will not charge you a fee for the paper copy.

This consent to receive the Documents and Disclosures electronically will apply on an ongoing basis unless you withdraw your consent. You may withdraw your consent to receive any of the Documents and Disclosures electronically by sending us an e-mail at info@fortis-wealth.com or calling 610-313-0910. However, if you do withdraw your consent Fortis will terminate your Portal Account. If you withdraw your consent to receive documents and disclosures electronically, your only option is to receive documents and disclosures in a paper format. To withdraw your consent and terminate your Portal Account, please call us at 610-313-0910.

By creating a Portal Account, and then accessing your Portal Account, you are indicating that you have reviewed all of the Documents and Disclosures made available to you on the Website. You are also acknowledging that your initial use of your Portal Account will constitute your agreement to be bound by the terms and conditions contained within such Documents and Disclosures.

By agreeing to this Statement, you acknowledge that you have read, understand, and agree to be bound by the terms above. If you do not agree to be bound by the terms above but would like to establish a Portal Account, DO NOT continue with the online process. Instead, please send us an e-mail at info@fortis-wealth.com or call us at 610-313-0910

Because the Fortis Portal Account relates to the functionality of the Website Fortis reserves the right to refuse to establish a Portal Account that is not subject to this Statement. You agree that the Documents and Disclosures required to be provided at the time a Portal Account is being created and any supplemental agreements or subsequent notices of changes or amendments will be provided electronically, and you confirm that you will download or print all electronically-provided documents for your records. You acknowledge that you can access the Documents and Disclosures that are provided electronically on the Website and via e-mail.

TERMS OF USE

BY CREATING A PORTAL ACCOUNT ON FORTIS WEALTH’S CLIENT PORTAL AT (THE “WEBSITE”) IN ORDER TO OBTAIN ACCESS TO AUTOMATED INVESTMENT INFORMATION THROUGH THE WEBSITE (“SERVICES”), YOU AGREE THAT UNLESS INDICATED OTHERWISE, THE DOCUMENTS AND DISCLOSURES REQUIRED TO BE PROVIDED TO YOU WITH RESPECT TO YOUR PORTAL ACCOUNT AND ANY FUTURE PORTAL ACCOUNTS UNDER APPLICABLE LAWS AND REGULATIONS MAY BE PROVIDED TO YOU ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE DOCUMENTS AND INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL (“E-MAIL”).

YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE “PRINT” OR “FILE SAVE” OPTIONS ON YOUR INTERNET BROWSER. ANY CHANGES, MODIFICATIONS, OR ADDITIONS TO, OR DELETIONS FROM, THIS STATEMENT SHALL BE EFFECTIVE UPON POSTING ON THE WEBSITE AND WE WILL NOTIFY YOU THEREOF BY E-MAIL AND/OR BY POSTING A MESSAGE ON THE WEBSITE OR TO YOUR PORTAL ACCOUNT.

In this Electronic Agreement and Disclosure Statement (“Statement”), please remember that “you” and “your” refer to the person who is establishing a Portal Account, as well as any future accounts, and “we”, “us” and “our” refer to Fortis Wealth (“Fortis”). Relevant agreements, documents, forms and other information, including without limitation disclosures required to be made or furnished by Fortis with respect to all Portal Accounts, by the Investment Advisers Act of 1940, as amended (the “Advisers Act”), and other applicable laws and regulations (collectively, “Documents and Disclosures”), will be provided to you electronically unless indicated otherwise. Among such Documents and Disclosures to be provided to you electronically with respect to your Portal Account and any future Portal Accounts that you may create are the following:

The Fortis Website User Agreement and all amendments, notices and other agreements which supplement or relate to such User Agreement;

The Fortis Discretionary Investment Advisory Agreement and all Account application forms, agreements and documents required to be completed and submitted to a designated broker-dealer and Custodian (“Broker Documents”) and all agreements, amendments, notices and other agreements which supplement or relate to such Discretionary Investment Advisory Agreement and Broker Documents;

The Fortis Form ADV Part 2A Brochure and Part 2B portfolio manager supplements in compliance with Rule 204-3 under the Advisers Act;

Notice of the Fortis Privacy Policy

All other required and permitted legal disclosures; and

Any other notices and communications pertaining to your Portal Account and Services.

BY CREATING A PORTAL ACCOUNT, AND THEN ACCESSING YOUR PORTAL ACCOUNT, YOU ARE ACCEPTING THIS STATEMENT AND CONSENTING TO RECEIVE DOCUMENTS AND DISCLOSURES ELECTRONICALLY.

Following the termination of your status as a Fortis Client, the information regarding your Portal Account, including the Documents and Disclosures, will be available upon request by sending us an e-mail at info@fortis-wealth.com or by calling 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. When revised or new Documents and/or Disclosures are available on the Website, to the extent relevant or applicable to you and if required by applicable legal, regulatory or contractual requirements, we will send a message to your e-mail address on file or otherwise notify you of their availability.

You are responsible for maintaining a valid e-mail address and all software and hardware necessary to receive, read and send e-mail. You must provide us with your current e-mail address when you establish your Portal Account and promptly notify us of any changes to your e-mail address by updating this information in your Portal Account on the Website.

To receive electronically the Documents and Disclosures, you will need access to a computer and web browser and may also need Adobe Reader, Microsoft Word and Microsoft Excel. You also will need access to e-mail and to a printer or the ability to download information in order to keep copies for your records. To the extent we make changes to the system hardware and software requirements that you need in order to receive and access the Documents and Disclosures electronically, we will notify you of those changes via e-mail and/or by posting information about the new system requirements on the Website. By establishing and then accessing a Portal Account you are indicating that you have the capability to access the Documents and Disclosures and download or print copies of them for your records.

For client support or technical assistance regarding your Portal Account, including the 2 Documents and Disclosures and the Website, you may send an e-mail to info@fortis-wealth.com or call us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. You may request a paper copy of any of the Documents and Disclosures at any time by sending us an e-mail at info@fortis-wealth.com or by calling us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. We will not charge you a fee for the paper copy.

This consent to receive the Documents and Disclosures electronically will apply on an ongoing basis unless you withdraw your consent. You may withdraw your consent to receive any of the Documents and Disclosures electronically by sending us an e-mail at info@fortis-wealth.com or calling 610-313-0910. However, if you do withdraw your consent Fortis will terminate your Portal Account. If you withdraw your consent to receive documents and disclosures electronically, your only option is to receive documents and disclosures in a paper format. To withdraw your consent and terminate your Portal Account, please call us at 610-313-0910.

By creating a Portal Account, and then accessing your Portal Account, you are indicating that you have reviewed all of the Documents and Disclosures made available to you on the Website. You are also acknowledging that your initial use of your Portal Account will constitute your agreement to be bound by the terms and conditions contained within such Documents and Disclosures.

By agreeing to this Statement, you acknowledge that you have read, understand, and agree to be bound by the terms above. If you do not agree to be bound by the terms above but would like to establish a Portal Account, DO NOT continue with the online process. Instead, please send us an e-mail at info@fortis-wealth.com or call us at 610-313-0910

Because the Fortis Portal Account relates to the functionality of the Website Fortis reserves the right to refuse to establish a Portal Account that is not subject to this Statement. You agree that the Documents and Disclosures required to be provided at the time a Portal Account is being created and any supplemental agreements or subsequent notices of changes or amendments will be provided electronically, and you confirm that you will download or print all electronically-provided documents for your records. You acknowledge that you can access the Documents and Disclosures that are provided electronically on the Website and via e-mail.

TERMS OF USE

BY CREATING A PORTAL ACCOUNT ON FORTIS WEALTH’S CLIENT PORTAL AT (THE “WEBSITE”) IN ORDER TO OBTAIN ACCESS TO AUTOMATED INVESTMENT INFORMATION THROUGH THE WEBSITE (“SERVICES”), YOU AGREE THAT UNLESS INDICATED OTHERWISE, THE DOCUMENTS AND DISCLOSURES REQUIRED TO BE PROVIDED TO YOU WITH RESPECT TO YOUR PORTAL ACCOUNT AND ANY FUTURE PORTAL ACCOUNTS UNDER APPLICABLE LAWS AND REGULATIONS MAY BE PROVIDED TO YOU ELECTRONICALLY. READ THE INFORMATION BELOW CAREFULLY BEFORE CONSENTING TO RECEIVE DOCUMENTS AND INFORMATION ELECTRONICALLY AT THIS WEBSITE AND VIA ELECTRONIC MAIL (“E-MAIL”).

YOU SHOULD PRINT OR SAVE THIS STATEMENT BY USING THE “PRINT” OR “FILE SAVE” OPTIONS ON YOUR INTERNET BROWSER. ANY CHANGES, MODIFICATIONS, OR ADDITIONS TO, OR DELETIONS FROM, THIS STATEMENT SHALL BE EFFECTIVE UPON POSTING ON THE WEBSITE AND WE WILL NOTIFY YOU THEREOF BY E-MAIL AND/OR BY POSTING A MESSAGE ON THE WEBSITE OR TO YOUR PORTAL ACCOUNT.

In this Electronic Agreement and Disclosure Statement (“Statement”), please remember that “you” and “your” refer to the person who is establishing a Portal Account, as well as any future accounts, and “we”, “us” and “our” refer to Fortis Wealth (“Fortis”). Relevant agreements, documents, forms and other information, including without limitation disclosures required to be made or furnished by Fortis with respect to all Portal Accounts, by the Investment Advisers Act of 1940, as amended (the “Advisers Act”), and other applicable laws and regulations (collectively, “Documents and Disclosures”), will be provided to you electronically unless indicated otherwise. Among such Documents and Disclosures to be provided to you electronically with respect to your Portal Account and any future Portal Accounts that you may create are the following:

The Fortis Website User Agreement and all amendments, notices and other agreements which supplement or relate to such User Agreement;

The Fortis Discretionary Investment Advisory Agreement and all Account application forms, agreements and documents required to be completed and submitted to a designated broker-dealer and Custodian (“Broker Documents”) and all agreements, amendments, notices and other agreements which supplement or relate to such Discretionary Investment Advisory Agreement and Broker Documents;

The Fortis Form ADV Part 2A Brochure and Part 2B portfolio manager supplements in compliance with Rule 204-3 under the Advisers Act;

Notice of the Fortis Privacy Policy

All other required and permitted legal disclosures; and

Any other notices and communications pertaining to your Portal Account and Services.

BY CREATING A PORTAL ACCOUNT, AND THEN ACCESSING YOUR PORTAL ACCOUNT, YOU ARE ACCEPTING THIS STATEMENT AND CONSENTING TO RECEIVE DOCUMENTS AND DISCLOSURES ELECTRONICALLY.

Following the termination of your status as a Fortis Client, the information regarding your Portal Account, including the Documents and Disclosures, will be available upon request by sending us an e-mail at info@fortis-wealth.com or by calling 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. When revised or new Documents and/or Disclosures are available on the Website, to the extent relevant or applicable to you and if required by applicable legal, regulatory or contractual requirements, we will send a message to your e-mail address on file or otherwise notify you of their availability.

You are responsible for maintaining a valid e-mail address and all software and hardware necessary to receive, read and send e-mail. You must provide us with your current e-mail address when you establish your Portal Account and promptly notify us of any changes to your e-mail address by updating this information in your Portal Account on the Website.

To receive electronically the Documents and Disclosures, you will need access to a computer and web browser and may also need Adobe Reader, Microsoft Word and Microsoft Excel. You also will need access to e-mail and to a printer or the ability to download information in order to keep copies for your records. To the extent we make changes to the system hardware and software requirements that you need in order to receive and access the Documents and Disclosures electronically, we will notify you of those changes via e-mail and/or by posting information about the new system requirements on the Website. By establishing and then accessing a Portal Account you are indicating that you have the capability to access the Documents and Disclosures and download or print copies of them for your records.

For client support or technical assistance regarding your Portal Account, including the 2 Documents and Disclosures and the Website, you may send an e-mail to info@fortis-wealth.com or call us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. You may request a paper copy of any of the Documents and Disclosures at any time by sending us an e-mail at info@fortis-wealth.com or by calling us at 610-313-0910 or such other phone number(s) as Fortis may specify on the Website. We will not charge you a fee for the paper copy.

This consent to receive the Documents and Disclosures electronically will apply on an ongoing basis unless you withdraw your consent. You may withdraw your consent to receive any of the Documents and Disclosures electronically by sending us an e-mail at info@fortis-wealth.com or calling 610-313-0910. However, if you do withdraw your consent Fortis will terminate your Portal Account. If you withdraw your consent to receive documents and disclosures electronically, your only option is to receive documents and disclosures in a paper format. To withdraw your consent and terminate your Portal Account, please call us at 610-313-0910.

By creating a Portal Account, and then accessing your Portal Account, you are indicating that you have reviewed all of the Documents and Disclosures made available to you on the Website. You are also acknowledging that your initial use of your Portal Account will constitute your agreement to be bound by the terms and conditions contained within such Documents and Disclosures.

By agreeing to this Statement, you acknowledge that you have read, understand, and agree to be bound by the terms above. If you do not agree to be bound by the terms above but would like to establish a Portal Account, DO NOT continue with the online process. Instead, please send us an e-mail at info@fortis-wealth.com or call us at 610-313-0910

Because the Fortis Portal Account relates to the functionality of the Website Fortis reserves the right to refuse to establish a Portal Account that is not subject to this Statement. You agree that the Documents and Disclosures required to be provided at the time a Portal Account is being created and any supplemental agreements or subsequent notices of changes or amendments will be provided electronically, and you confirm that you will download or print all electronically-provided documents for your records. You acknowledge that you can access the Documents and Disclosures that are provided electronically on the Website and via e-mail.